This is especially true when only putting down 5%What is unfortunate with the 5% conventional program is that you get hit from 2 sides:1.

All of those programs are fake.

Hi @Jimmy Jarjour definitely ask your lender and realtor about 5% programs.

Has anyone used Joel Sangerman's mentoring program?

Additionally, I am already on a mentorship/education program for multifamily (syndications) and I already have an LLC and business set up for this strategy in real estate.

My understanding is that the SBA business physical disaster loan program is the route you go. 

The way that I set up my coaching program helped around 80 to 90% of my coaching students buy real estate and increase their net worth by between $30,000 and $500,000 during the year that I coached them.I tried to make the coaching program really affordable and based on psychological principles of motivation.

There are programs that offer 100% financing for many different people like Veterans, First time home buyers, (Certain states), Medical professional loans also offer 100% (Anyone with a Medical license).You also have Second Home or Vacation home which only requires 10% down.

They paper push the file into processing to then find out they submitted wrong or it does not fit under a certain program.

If 80% LTV for cash out, 1.25 DSCR ratio is required for the program that offers that.